C
a
p
i
t
a
l
X
B
Manikandan Mallikarjunan
Risk & Credit
Manikandan Mallikarjunan is a digital lending and risk strategy leader with 18+ years across Kotak, Aditya Birla, TATA Capital, Mahindra Finance, Mintifi, and CredAble. At CapitalXB, he drives risk systems and strategy, focusing on scalable, tech-driven credit ecosystems. He's pursuing a DBA at Golden Gate University on Generative AI applications in financial services and holds an MBA (Finance & Banking), CFE (USA), and is pursuing CPA (USA) and CGMA (UK).